Anyone had a "Wind Mitigation Survey" done for homeowners ins. purposes?

[bentlebee]

Originally Posted by Sunshine Rules

A wind mitigation inspection (also called a windstorm mitigation inspection) is when a certified inspector inspects your home for wind-resistant features. These features can be anything from door/window coverings (hurricane shutters) to the way your roof is attached to your home to how your roof is sealed to prevent water from entering. The Uniform Mitigation Verification Inspection Form is a standardized form that can only be completed by inspectors that are certified to complete the forms, not all home inspectors are certified for Wind Mit.

Many insurance companies now require both a wind mitigation report and a 4-point home inspection report (roof, electrical, plumbing, HVAC system) before they will quote insurance rates on older homes. Different insurance companies have different requirements for when you need to start providing these reports. I've seen as little as 5 - 6 years to 10 years as a starting point, but most seem to fall into that 5 - 7 year range.

As to why the wind mitigation inspection report did not yield significant savings for a home built in 2006, your insurance agent should be able to provide a definite answer. However, based on my recent dealings with insurance agents while searching for replacement coverage (previous company pulled out of our part of FL), it is probably because the insurance company is already factoring in most of the wind mitigation savings into your policy based on when the home was built and required building codes at that time.

The laws creating the uniform FL building codes went into effect in 2002 and require the building codes to be updated at a minimum of every 3 years. A 2006 built homes falls under the building code changes that went into effect Oct 1 of 2005. The next big changes were in 2009 and 2012, 2015, 2018 and the latest changes effective Jan 1, 2021. Most insurance companies use 1994 as a significant cut off year, with homes built before 1994 having the least amount of wind resistance and therefore the insurance rates are much higher.

Just adding the number of claims filed in the neighborhood as the subject property is located may be a factor and the roof certification!

[EngGirl]

Originally Posted by bentlebee

That seems to be an exception and not in general. Most insurances go way down based on wind mitigation and roof certification and in your case you were missing the roof certification.

it depends on roof/building age more than anything. I shared my actual experience with 6 y.o. house/roof and $60 in savings.

[bentlebee]

Originally Posted by EngGirl

it depends on roof/building age more than anything. I shared my actual experience with 6 y.o. house/roof and $60 in savings.

We were told for a brand-new roof a roof certification was also required. Which didn't make much sense to me, but the insurance required that for full discount. For a 6-year-old home that totally makes sense to me.

[germanoricua]

We had it done on a 5 year old home and we now save a couple of hundred dollars ($400-500) when compared to this year's rate increase. Our insurance went down compared to last year instead of about 400-500 up. It was definitely worth it!